Specialized Coverage
Frequently Asked Questions
Common Questions Answered for your convenience.
How can I save money on my insurance premiums?
We offer several ways to save, including bundling multiple policies, maintaining a good credit score, increasing your deductibles, and taking advantage of our various discounts for safe driving, home security systems, and more. We'll work with you to find the best savings opportunities without compromising your coverage.
What factors affect my insurance rates?
Insurance rates are influenced by various factors such as your age, location, claims history, credit score (in some states), the type and amount of coverage you choose, and the characteristics of what you're insuring (e.g., home value, car model). We'll explain how these factors impact your specific rates.
How often should I review my insurance policies?
We recommend reviewing your policies annually or whenever you experience a significant life change such as marriage, having a child, buying a new home, or starting a business. Crestwood offers complimentary annual reviews to ensure your coverage always aligns with your current needs.
What's the difference between actual cash value and replacement cost coverage?
Actual cash value (ACV) covers the depreciated value of your property, while replacement cost coverage pays to replace your property with a new, similar item. Replacement cost typically offers more comprehensive protection but may have higher premiums. We can help you decide which option is best for your situation.
How quickly can I get insured with Crestwood?
In many cases, we can provide same-day coverage. The exact timeframe depends on the type of insurance and the complexity of your needs. For standard policies, we often can get you covered within 24-48 hours. More complex or high-value policies may take a bit longer to ensure we've crafted the right protection for you.
What should I do if I need to file a claim?
Contact us immediately if you need to file a claim. Our 24/7 claims hotline ensures you can reach us anytime. We'll guide you through the process, help you gather necessary documentation, and work as your advocate throughout the claims process to ensure a fair and timely resolution.